Tax Optimization Strategies

Our experienced team uses tax strategies to give you more choice and control over when and how much you pay in taxes.

“

“I appreciate the additional value you provide with tax harvesting and other strategies.”

Benefits

Tax optimization provides you and your loved ones many benefits:

Choice and control over when and how much you pay in taxes
An investment portfolio that may reduce your tax burden
Greater confidence in your finances

Go Tax Free!

Karl Frank wrote the book, Go Tax Free!

With a Go Tax Free financial plan, you’ll sleep better at night knowing that you are making good decisions for your family. Money in America is taxed in three ways: taxed-as earned, tax-deferred or tax-free.

A and amp;I Financial Services - Karl Frank Book - Go Tax Free

Taxed as Earned

This is the way most of our investment accounts, certificates of deposit, and savings accounts are set up. Every year, we pay some taxes on the gains.

Tax-deferred

This is the way most of our retirement accounts are set up, including IRAs, 401ks, and pension plans. We defer the income taxes until we make withdrawals in retirement.

Tax-free

This is an account like a Roth IRA, cash value life insurance, and others that potentially allows tax-free withdrawals.

Go Tax Free

Learn More About How to Go Tax Free!

A Portfolio for an Uncertain Tax World

We diversify our client’s investments by tax category. This portfolio reduces your tax risks when the government changes regulations.

If the government raises taxes, your tax-free “Green Slice” is more valuable than the others because it has no tax burden. If the government lowers taxes, then the tax-deferred “blue slice” is more valuable. In any case, most people don’t have much money in the tax-free category. That’s why we say we help you “Go tax free!” We help you make the right decision for your situation, with choice and control over how you are taxed.

Imagine if you could go tax free!

Tax Planning Provides Greater Confidence

We employ several strategies to help increase your choice and control.

Tax Harvesting

We provide professional advice on how to reduce the taxes for your investment portfolio.

Learn More

Retirement Income Planning

We all want to retire with independence, dignity and have a little fun.

Learn More

Charitable Planning

Make an impact beyond your family, helping our community and the world at large. Charitable donations can also save a lot of taxes.

Learn More

Financial Planning

Ultimately, an advanced financial plan takes into consideration your taxes, and helps you prepare and mitigate your costs.

Learn More

Other Services We Provide

For tax and estate planning and more

Charitable Planning

Our financial planners will help you make a gift that is meaningful. Charitable planning can be simple or complex. We can coordinate a team to reduce expenses and may help […]

Tax Optimization Strategies

Our experienced team uses tax strategies to give you more choice and control over when and how much you pay in taxes.

Tax Efficient Distribution of Wealth

We help protect wealth across generations for clients, especially by mitigating taxes.

Social Security Benefit Options

Learn about different ways to maximize your Social Security benefits and avoid costly mistakes.

Setting up Trust Accounts

Learn about different types of trusts we commonly use to protect you and your family.

Karl Frank quoted in CNBC article:

Capital gains may have triggered hundreds of billions more in individual taxes for 2021, analysis shows. How to trim your tax bill

Learn More

An initial conversation is always free of charge.

Talk with an Expert

Our wealth management approach may be different from experiences you have had with other advisors.

Attend an upcoming event

We offer a broad array of events that broaden our knowledge and experiences.

View All Events

Recent Blog Post

Read the Periscope to learn our most recent investment and economic commentary. Plus, timely financial planning topics and ideas.